躉繳美金儲蓄險遠雄人壽美金鑽(ZH2)美元利率變動型養老保險IRR分析

以下建議書由保經業務提供,

若需要推薦,可以到粉絲團私訊

這是一張30年期養老險,

最長可以放到30年強迫解約,

建議書打的是最高折扣

保額9萬美金,

保費約8.4美金

~260萬台幣

高保額折扣:

3~6萬美金: 0.1%

(保費約2.8萬USD~87萬NTD)

6~9萬美金: 0.2%

(保費約5.6萬USD~174萬NTD)

9萬美金以上: 0.3%

(保費約8.4萬USD~260萬NTD)

目前宣告利率3.7%

本文以宣告利率維持3.7%不變計算IRR

主要參考最後一欄的解約金/實繳保費

IRR(內部報酬率)

時間單位不一定要用”年”

只是最常使用“年”

若以年為單位

就是可以跟定存比較利率的“年化複利”

計算方式可以看以下幾篇文章:

儲蓄險或躉繳利變年金險解約金(IRR)算法

IRR(內部報酬率):計算六年IRR,為何要將六年末解約金放在現金流的第”七”欄位

躉繳儲蓄險IRR算法

內部報酬率(IRR)概念:你是糊塗的工頭嗎?

解約金應該要計算年度末+1天

或次年度初

才比年度末合理,

原因可以看以下文章:

利變年金險的提前解約費用

利變年金險的提前解約費用(續) & 可悲的台灣教育

但這張美金鑽(ZH2)僅有提供年度末解約金

六年內IRR算出來的結果

會比其他商品吃虧

不同折扣IRR統整在前:

儲蓄保險王	賴:	@wvr5039s	FB:	儲蓄保險王
台幣保費門檻	260萬	174萬	87萬
折扣:	0.3%	0.2%	0.1%	0%
年	IRR	IRR	IRR	IRR
1	-10.06%	-10.15%	-10.24%	-10.33%
2	-2.28%	-2.32%	-2.37%	-2.42%
3	1.3941%	1.3602%	1.3264%	1.2926%
4	2.2272%	2.2016%	2.1760%	2.1505%
5	2.7219%	2.7013%	2.6808%	2.6602%
6	2.8927%	2.8755%	2.8584%	2.8412%
7	3.1375%	3.1227%	3.1080%	3.0932%
8	3.2113%	3.1984%	3.1855%	3.1726%
9	3.2694%	3.2579%	3.2464%	3.2349%
10	3.3152%	3.3048%	3.2945%	3.2842%
11	3.3536%	3.3442%	3.3348%	3.3254%
12	3.3842%	3.3756%	3.3670%	3.3584%
13	3.4113%	3.4033%	3.3953%	3.3874%
14	3.4341%	3.4266%	3.4192%	3.4119%
15	3.4540%	3.4471%	3.4402%	3.4333%
16	3.4713%	3.4648%	3.4584%	3.4519%
17	3.4862%	3.4801%	3.4740%	3.4679%
18	3.5001%	3.4943%	3.4886%	3.4828%
19	3.5122%	3.5068%	3.5013%	3.4958%
20	3.5229%	3.5177%	3.5125%	3.5074%

0.3%折扣(保費約8.4萬USD~260萬NTD)

FB:	儲蓄保險王	賴:	@wvr5039s	儲蓄保險王		FB:	儲蓄保險王
宣告	表定保費	100.3	折扣	美金鑽	2%	賴:	@wvr5039s
3.7%	實繳保費	100.0	0.3%	解約金	定存	美金儲蓄險勝出
年	解約金	IRR	總報酬率	增加率	總報酬率	絕對利差	相對利差
1	89.94	-10.06%	-10.06%		2.00%
2	95.5	-2.28%	-4.50%		4.04%
3	104.24	1.39%	4.24%		6.12%
4	109.21	2.23%	9.21%	4.77%	8.24%	0.24%	11.74%
5	114.37	2.72%	14.37%	4.72%	10.41%	0.79%	38.08%
6	118.66	2.89%	18.66%	3.75%	12.62%	1.01%	47.91%
7	124.14	3.14%	24.14%	4.62%	14.87%	1.32%	62.36%
8	128.77	3.21%	28.77%	3.73%	17.17%	1.45%	67.61%
9	133.58	3.27%	33.58%	3.74%	19.51%	1.56%	72.13%
10	138.56	3.32%	38.56%	3.73%	21.90%	1.67%	76.08%
11	143.74	3.35%	43.74%	3.74%	24.34%	1.76%	79.73%
12	149.09	3.38%	49.09%	3.72%	26.82%	1.86%	83.01%
13	154.66	3.41%	54.66%	3.74%	29.36%	1.95%	86.17%
14	160.43	3.43%	60.43%	3.73%	31.95%	2.03%	89.16%
15	166.42	3.45%	66.42%	3.73%	34.59%	2.12%	92.04%
16	172.63	3.47%	72.63%	3.73%	37.28%	2.21%	94.83%
17	179.06	3.49%	79.06%	3.72%	40.02%	2.30%	97.53%
18	185.75	3.50%	85.75%	3.74%	42.82%	2.38%	100.24%
19	192.68	3.51%	92.68%	3.73%	45.68%	2.47%	102.89%
20	199.86	3.52%	99.86%	3.73%	48.59%	2.56%	105.50%

0.2%折扣(保費約5.6萬USD~174萬NTD)

FB:	儲蓄保險王	賴:	@wvr5039s	儲蓄保險王		FB:	儲蓄保險王
宣告	表定保費	100.3	折扣	美金鑽	2%	賴:	@wvr5039s
3.7%	實繳保費	100.1	0.2%	解約金	定存	美金儲蓄險勝出
年	解約金	IRR	總報酬率	增加率	總報酬率	絕對利差	相對利差
1	89.94	-10.15%	-10.15%		2.00%
2	95.5	-2.32%	-4.59%		4.04%
3	104.24	1.36%	4.14%		6.12%
4	109.21	2.20%	9.10%	4.77%	8.24%	0.21%	10.41%
5	114.37	2.70%	14.26%	4.72%	10.41%	0.77%	36.97%
6	118.66	2.88%	18.54%	3.75%	12.62%	0.99%	46.97%
7	124.14	3.12%	24.02%	4.62%	14.87%	1.31%	61.53%
8	128.77	3.20%	28.64%	3.73%	17.17%	1.43%	66.85%
9	133.58	3.26%	33.45%	3.74%	19.51%	1.55%	71.44%
10	138.56	3.30%	38.42%	3.73%	21.90%	1.65%	75.45%
11	143.74	3.34%	43.60%	3.74%	24.34%	1.75%	79.14%
12	149.09	3.38%	48.94%	3.72%	26.82%	1.84%	82.45%
13	154.66	3.40%	54.51%	3.74%	29.36%	1.93%	85.64%
14	160.43	3.43%	60.27%	3.73%	31.95%	2.02%	88.65%
15	166.42	3.45%	66.25%	3.73%	34.59%	2.11%	91.56%
16	172.63	3.46%	72.46%	3.73%	37.28%	2.20%	94.37%
17	179.06	3.48%	78.88%	3.72%	40.02%	2.29%	97.09%
18	185.75	3.49%	85.57%	3.74%	42.82%	2.37%	99.80%
19	192.68	3.51%	92.49%	3.73%	45.68%	2.46%	102.47%
20	199.86	3.52%	99.66%	3.73%	48.59%	2.55%	105.09%

0.1% 折扣(保費約2.8萬USD~87萬NTD)

FB:	儲蓄保險王	賴:	@wvr5039s	儲蓄保險王		FB:	儲蓄保險王
宣告	表定保費	100.3	折扣	美金鑽	2%	賴:	@wvr5039s
3.7%	實繳保費	100.2	0.1%	解約金	定存	美金儲蓄險勝出
年	解約金	IRR	總報酬率	增加率	總報酬率	絕對利差	相對利差
1	89.94	-10.24%	-10.24%		2.00%
2	95.5	-2.37%	-4.69%		4.04%
3	104.24	1.33%	4.03%		6.12%
4	109.21	2.18%	8.99%	4.77%	8.24%	0.19%	9.09%
5	114.37	2.68%	14.14%	4.72%	10.41%	0.75%	35.88%
6	118.66	2.86%	18.42%	3.75%	12.62%	0.97%	46.03%
7	124.14	3.11%	23.89%	4.62%	14.87%	1.29%	60.69%
8	128.77	3.19%	28.51%	3.73%	17.17%	1.42%	66.10%
9	133.58	3.25%	33.31%	3.74%	19.51%	1.53%	70.76%
10	138.56	3.29%	38.28%	3.73%	21.90%	1.64%	74.82%
11	143.74	3.33%	43.45%	3.74%	24.34%	1.74%	78.55%
12	149.09	3.37%	48.79%	3.72%	26.82%	1.83%	81.90%
13	154.66	3.40%	54.35%	3.74%	29.36%	1.92%	85.12%
14	160.43	3.42%	60.11%	3.73%	31.95%	2.01%	88.15%
15	166.42	3.44%	66.09%	3.73%	34.59%	2.10%	91.08%
16	172.63	3.46%	72.29%	3.73%	37.28%	2.19%	93.91%
17	179.06	3.47%	78.70%	3.72%	40.02%	2.28%	96.64%
18	185.75	3.49%	85.38%	3.74%	42.82%	2.36%	99.37%
19	192.68	3.50%	92.30%	3.73%	45.68%	2.45%	102.04%
20	199.86	3.51%	99.46%	3.73%	48.59%	2.54%	104.68%

0%折扣:

FB:	儲蓄保險王	賴:	@wvr5039s	儲蓄保險王		FB:	儲蓄保險王
宣告	表定保費	100.3	折扣	美金鑽	2%	賴:	@wvr5039s
3.7%	實繳保費	100.3	0.0%	解約金	定存	美金儲蓄險勝出
年	解約金	IRR	總報酬率	增加率	總報酬率	絕對利差	相對利差
1	89.94	-10.33%	-10.33%		2.00%
2	95.5	-2.42%	-4.79%		4.04%
3	104.24	1.29%	3.93%		6.12%
4	109.21	2.15%	8.88%	4.77%	8.24%	0.16%	7.77%
5	114.37	2.66%	14.03%	4.72%	10.41%	0.72%	34.78%
6	118.66	2.84%	18.31%	3.75%	12.62%	0.95%	45.09%
7	124.14	3.09%	23.77%	4.62%	14.87%	1.27%	59.86%
8	128.77	3.17%	28.38%	3.73%	17.17%	1.40%	65.36%
9	133.58	3.23%	33.18%	3.74%	19.51%	1.52%	70.08%
10	138.56	3.28%	38.15%	3.73%	21.90%	1.62%	74.19%
11	143.74	3.33%	43.31%	3.74%	24.34%	1.72%	77.96%
12	149.09	3.36%	48.64%	3.72%	26.82%	1.82%	81.34%
13	154.66	3.39%	54.20%	3.74%	29.36%	1.91%	84.59%
14	160.43	3.41%	59.95%	3.73%	31.95%	2.00%	87.65%
15	166.42	3.43%	65.92%	3.73%	34.59%	2.09%	90.60%
16	172.63	3.45%	72.11%	3.73%	37.28%	2.18%	93.45%
17	179.06	3.47%	78.52%	3.72%	40.02%	2.26%	96.19%
18	185.75	3.48%	85.19%	3.74%	42.82%	2.35%	98.94%
19	192.68	3.50%	92.10%	3.73%	45.68%	2.44%	101.62%
20	199.86	3.51%	99.26%	3.73%	48.59%	2.53%	104.27%

先前也有介紹過遠雄美金鑽:

遠雄人壽美金鑽美元利率變動型養老保險(ZH1S30,7年IRR>3%練習題)

遠雄人壽美金鑽美元利率變動型養老保險(ZH1S30,密碼解密)

可以看到撰文越來越詳細

從一開始只有IRR

到現在,除了不同折扣的IRR以外

還有總報酬率,解約金增加率

跟定存的絕對利差與相對利差

大家想看的資料不一樣

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